Notes on Specialty Finance

My personal take on small business funding 2026. Banks are tightening. Here is a simple 3-question framework to evaluate your options when loans slow down.

I read the Federal Reserve’s 2026 report on employer firms asking one question: does the data on merchant cash advances match what I hear daily? The answer is yes. 38 percent of firms applied for financing. 8 percent chose merchant cash advances. When speed equals survival, the math changes.